<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE DECEMBER
31, 1996 CONSOLIDATED FINANCIAL STATEMENTS AND MANAGEMENT'S DISCUSSION AND
ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS CONTAINED IN THE FORM
10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                           6,385
<INT-BEARING-DEPOSITS>                             858
<FED-FUNDS-SOLD>                                 1,772
<TRADING-ASSETS>                                    76
<INVESTMENTS-HELD-FOR-SALE>                      7,503
<INVESTMENTS-CARRYING>                           1,177
<INVESTMENTS-MARKET>                             1,172
<LOANS>                                         58,844
<ALLOWANCE>                                      1,488
<TOTAL-ASSETS>                                  85,518
<DEPOSITS>                                      67,071
<SHORT-TERM>                                     3,627
<LIABILITIES-OTHER>                              2,291
<LONG-TERM>                                      5,114
<PREFERRED-MANDATORY>                              953
<PREFERRED>                                          0
<COMMON>                                         3,148
<OTHER-SE>                                       3,314
<TOTAL-LIABILITIES-AND-EQUITY>                  85,518
<INTEREST-LOAN>                                  5,087
<INTEREST-INVEST>                                  755
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 5,842
<INTEREST-DEPOSIT>                               1,754
<INTEREST-EXPENSE>                               2,439
<INTEREST-INCOME-NET>                            3,403
<LOAN-LOSSES>                                      213
<SECURITIES-GAINS>                                  43
<EXPENSE-OTHER>                                  3,460
<INCOME-PRETAX>                                  1,931
<INCOME-PRE-EXTRAORDINARY>                       1,931
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,139
<EPS-PRIMARY>                                     3.97
<EPS-DILUTED>                                     3.95
<YIELD-ACTUAL>                                    4.81
<LOANS-NON>                                        696
<LOANS-PAST>                                       247
<LOANS-TROUBLED>                                     9
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,321
<CHARGE-OFFS>                                      484
<RECOVERIES>                                       114
<ALLOWANCE-CLOSE>                                1,488
<ALLOWANCE-DOMESTIC>                             1,488
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            213
        

</TABLE>